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We see more and more drivers on the road each year. This could lead to an increased likelihood of a collision. If you get in a car wreck, the car insurance you own can make a big difference in how much you have to pay. How can you determine what insurance you require and how to buy it? Your car insurance may be able to pay for the expenses from a car crash ranging from car repairs to legal fees. Without insurance, you risk having to pay the total cost of the harm you cause others or to repair or replace your vehicle if it is damaged or stolen. Liability: Bodily injury and property damage that you have caused will be paid for under this type of insurance. If you are in legal trouble, it also pays your court costs. Recommended, more comprehensive levels of insurance can be purchased that take care of more events than the lower, state-mandated varieties. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost earnings, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who may be responsible. If you buy this type of coverage, you will receive coverage for necessary medical or funeral expenses. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of insurance. This may include protection from burglary, vandalism, and weather damage. Uninsured Motorist: If you are hit by a driver without insurance or a hit-and-run driver, this type of insurance will make sure you are covered. Under-Insured Motorist: Just like uninsured coverage, this kind of insurance protects you against drivers without enough insurance protection. Other types of coverage, such as car rental and emergency road service, are also available. State Farm Clermont